November 04, 2025

Should You Invest In Houses Or Apartments?

10 minutes

Simon addresses a common question among property investors: whether it's better to buy houses or apartments?

He discusses the pros and cons of both property types, highlighting that while apartments can be appealing due to lower maintenance and costs, houses generally offer better long-term capital growth and investment potential

KEY TAKEAWAYS

While both houses and apartments have their pros and cons, houses are generally favoured for long-term capital growth due to their potential for value addition through renovations and extensions.

Apartments often come with service charges that can reduce cash flow for landlords, whereas freehold houses do not have these additional costs, making them potentially more profitable in the long run.

In the current property market, buying off-plan properties (new builds) is discouraged due to uncertain growth prospects and the risk of tying up deposit money without immediate returns.

Apartments typically have leasehold agreements, which can decrease in value as the lease term shortens. Properties with short leases can present investment opportunities if the lease is extended, allowing for better financing options.

BEST MOMENTS

"Many property investors like to buy apartments, and there's some very valid reasons for buying apartments."

"I have personally experienced much better long-term capital growth from my houses rather than my apartments."

"If I was to start again, I probably would only buy houses and not buy apartments."

"In the current property market, we're not seeing a lot of growth... why on earth would you want to buy something that you have to wait?"

VALUABLE RESOURCES

To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20).

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Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32.

Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠ pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors.

Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth.

Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book.

Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals.

This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

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By Simon Zutshi

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